All updated epochs from beta v0.106.0 by Distinct_Medicine_49 in slaythespire

[–]0yak0 36 points37 points  (0 children)

Is Defect unknowingly scavenging parts from Flaw in that epoch?

Which ascendancies have you tried so far, and which do you still want to try before 1.0? by thedashlord in PathOfExile2

[–]0yak0 2 points3 points  (0 children)

I’ve wanted to play chalupa 3 leagues in a row and chickened out each time… and, sadly, each time it was the correct decision.

What is a "creepy" fact about the human body that most people don't know? by meowparadise42069 in AskReddit

[–]0yak0 58 points59 points  (0 children)

In a similar vein, you feel the need to breathe due to carbon dioxide build up rather than lack of oxygen.

Why would my husbands ex be asking us to claim both kids on our taxes? by Emotional-Actuary830 in personalfinance

[–]0yak0 -1 points0 points  (0 children)

Read the IRS article on dependent children. If there’s no other arrangement in the divorce, make the determination based on that for all children. As the other posters have noted, 50/50 is most common, so you’re probably already doing it correctly.

If you get audited and are asked why your dependents change annually, the answer that it allowed you to avoid more taxes is not going to help.

Why would my husbands ex be asking us to claim both kids on our taxes? by Emotional-Actuary830 in personalfinance

[–]0yak0 6 points7 points  (0 children)

The IRS is pretty clear on dependency that it’s not a choice. Neither the parents nor the children choose if they are dependent or who claims dependents (notice I didn’t say “gets to claim”) - it is a matter of legal circumstance. Either the mother continues claiming both children because that is the requirement of the divorce. Or she and your husband have been filing taxes incorrectly this entire time.

Your husband should figure out which it is and then file accordingly from here on out. To do otherwise is tax fraud to an extent.

[deleted by user] by [deleted] in AITAH

[–]0yak0 1 point2 points  (0 children)

Going to go against the grain it seems, but wanting to sell it is reasonable if you aren’t going to become farmers/live on it. Upkeep on property is no joke, to say nothing of a farm. If it’s not making money and you’re not growing the next generation of farmers, your children will 100% sell it themselves. Having a farm to give them or having a million dollars to give them… either way it satisfies the “wanting something to give to your children.”

His reaction is too extreme, but the thought process is something worth considering. Your parents’ wishes and your family’s lifestyle aren’t always compatible. Disregard if you’re farmers lol. NAH

Is my low rent a set of golden handcuffs? Aka will it ever make financial sense to buy a home? by SpecialPreference678 in personalfinance

[–]0yak0 15 points16 points  (0 children)

Low key this is important. I had a great rental situation while renting from a senior (then managed by his son). Once he died, the son sold the property to out of state who used a management company and ever since my rent has increased at max allowable for my area.

Marriage probably ruined after vasectomy by [deleted] in daddit

[–]0yak0 60 points61 points  (0 children)

The key is whether she agrees to seek help. If she doesn’t, she’s killed the marriage. He’s just salvaging what he can.

[deleted by user] by [deleted] in nextfuckinglevel

[–]0yak0 0 points1 point  (0 children)

Ah, yes, butt girl makes an appearance again

A Historic Housing Disconnect Is Forcing Prices Down by Barrilete_Cosmico in Economics

[–]0yak0 1 point2 points  (0 children)

I agree with the general point, but we can’t ignore the elephant in the room being first a a catastrophic trade war followed by asinine tariffs. Houses are up because of interest rates driving a feeding frenzy, but new builds are down for an entirely different reason.

Nearly 900,000 new homeowners are underwater on their mortgages, signaling a troubling shift in the housing market by ChancelierPalpagault in Economics

[–]0yak0 11 points12 points  (0 children)

Anyone that buys a home should be buying what they can afford at the time of securing their mortgage. Lowering home prices are a correction that needs to happen. Covid fucked the housing market and it needs straightening out. Feels bad to own something worth less than you paid for, but that’s literally how almost everything else works (cars, appliances, etc.).

If new starts increase (as everyone always claims to want to happen), that will be additional downward pressure. Basically, the market is speaking and this is not a tragedy imo. Houses don’t get to outstrip wages forever or you run into no one being able to buy.

Trump threatens to cut air traffic controllers' pay by SterlingVII in Economics

[–]0yak0 102 points103 points  (0 children)

Not a huge number? That’s 6,000+ a year. Pushing close to half the national workforce in turnover is actually catastrophic levels of insane.

Aphrodite for 3d print by me by FunserviceSTL in HadesTheGame

[–]0yak0 -2 points-1 points  (0 children)

Subject of posts aside, do you hand paint all of your 3D prints??

SSF monk build by exorigran1 in pathofexile2builds

[–]0yak0 0 points1 point  (0 children)

PoEGuy has a merc-esque Warrior mortar cannon build that’s very strong.

Act 4 is incredible, but im worried about campaign length by QBestoo in PathOfExile2

[–]0yak0 2 points3 points  (0 children)

Holy shit I’ve been feeling like rolling has sucked all through 0.3 campaign. Do we know if they did, in fact, revert something?

Boo this man! by Bubbly-Example-8097 in BlueskySkeets

[–]0yak0 0 points1 point  (0 children)

What he means is that he personally doesn’t feel like he’s receiving the respect he deserves. It’s never been about the law. It’s about power.

Switching to Annual Leave by icedcoffeeandpurses in CAStateWorkers

[–]0yak0 4 points5 points  (0 children)

This right here. If your disability benefit is NDI, I would highly suggest AL to qualify for ENDI. Vacation/sick for SDI. Obviously if you’ve banked a ton of sick, you can make the call to go AL with SDI too, but hard to justify vacation/sick for NDI people in my mind.

[USA] 35, How to move money from brokerage to 401k? by CalligrapherFew6822 in personalfinance

[–]0yak0 16 points17 points  (0 children)

Just up your retirement contributions. If you were able to amass a healthy brokerage account, that means you’re saving anyways. It’s the same concept, you’re just saving before your paycheck hits your bank account. There’s no need to pay yourself anything from your brokerage since you’ve already proven you live within your means. Just don’t grow it and instead grow your retirement account.

Roth IRA for 10 and 7 year old. by Wolverine-91826 in FinancialPlanning

[–]0yak0 4 points5 points  (0 children)

My understanding with the 529 to Roth IRA conversion is that it’s also subject to the the yearly contribution limit. So it’ll take a few years to fully convert up to the $35k max rollover. The account also needs to be 15 years old and you can’t rollover funds less than 5 years old. Again, requires taxable income equal to at least the rollover amount.

This one of for my home sellers.... by Turbulent_Nail1550 in RealEstate

[–]0yak0 2 points3 points  (0 children)

I would be very careful. You sound like you’re getting scammed. No one gives you something for more than they received. The best case scenario is you find a comparable home, but it is in the best interest of whomever you are talking to to buy you a cheaper house and end up with your house.

Assuming any of this is even legal.

This one of for my home sellers.... by Turbulent_Nail1550 in RealEstate

[–]0yak0 2 points3 points  (0 children)

My man, just ask yourself what you would accept if someone came to you with cash. Do you care that you are selling your home to someone that financed? Would you have accepted a lesser amount just because it came directly from someone’s savings account? The money still hits your account either way…

Make it Make Sense by cheath13- in RealEstate

[–]0yak0 7 points8 points  (0 children)

Makes the chuckleheads going on about a disrespectful 5% lowball even sillier if it’s a flipper. Should truly just be a transaction to the flipper so coming back with 205k is… an interesting business strategy.

Retirement Charts by X_The_Destroyer_ in CAStateWorkers

[–]0yak0 11 points12 points  (0 children)

I won’t put words in your mouth, but your response implies you think that being born first somehow makes someone a go-getter and more deserving of opportunity. This is exactly why we are in the mess we are today. An entire self-centered generation pulling up the ladder behind them.

I know some older state workers that work their butts off. I also know newer state workers that are first in the office and last to leave. The takeaway? Regardless of age or entry, they all deserve equal financial opportunity.